not the nsa. it has something to do with where you keep your money, and the president says, you're not only better off for it, you're safer for it and richer for it. believe it. bank on it. so why are so many doubting it? >> neil: welcome everybody. i'm neil cavuto. dodd frank might not roll off the tongue but the president says the financial law has stopped banks from rolling you in headaches, in corruption in everything but these, because whether it's atm surcharges, or monthly checking account fees soaring, you are paying to date 77 different dodd-frank regulations have cost consumers and businesses more than $15 billion. and that is with only 40% of the dodd-frank financial law in place. to fox business charlie gas -- who shudders at the costs. >> the ultimate cost which is -- we still have too big to fail. the bank institutionalized riecks and they're still going to bail them out. >> neil: the president says that isn't going to happen. we remember the litany of the president's comments on the